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© 2025 Luntero. All rights reserved.
LUNTERO
Find your way home in the Netherlands with 20,000+ rental listings at your fingertips!
© 2025 Luntero. All rights reserved.
Luntero
aflossing
Amortization, or aflossing, is the process of repaying the principal of a loan over time, a key component of the landlord's mortgage costs.
Legal Terms
The numbers on your utility meters, which must be recorded when moving in and out to ensure you only pay for your own usage.
A system that heats the entire property from a central boiler, the maintenance of which is a key landlord responsibility.
The legal body comprising all apartment owners in a building, responsible for the management and maintenance of communal areas.
The official property valuation determined by the municipality for taxation purposes, which also influences the legal rent price.
A mandatory government-issued certificate that rates the energy efficiency of a property from A (very efficient) to G (very inefficient).
The official usable floor space of a property, measured in square meters according to specific national standards.
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Amortization, or aflossing in Dutch, is a financial term that describes the process of gradually paying off a loan's principal amount through a schedule of regular payments. While it's a technical concept, it's relevant to a tenant because it's a core component of their landlord's largest expense: their mortgage. The way a landlord's mortgage is amortized affects their monthly costs, their financial strategy, and indirectly, the rent they charge.
Every month, a landlord with a mortgage makes a payment to their bank. This payment consists of two parts:
Different mortgage types mix these two components in different ways. For example, a 'linear' mortgage has a high amortization amount at the start, which decreases over time. An 'annuity' mortgage has a constant monthly payment, but the amortization part is small at the beginning and grows larger towards the end of the loan term.
A particularly Dutch phenomenon is the aflossingsvrije hypotheek (interest-only mortgage). With this type of loan, the borrower only pays the monthly interest; there is no mandatory amortization. The principal debt is not paid down until the property is sold. For a landlord, this structure is attractive because it results in the lowest possible monthly mortgage payment, maximizing their cash flow. However, it is also riskier, as they are not building equity through repayment and are highly dependent on the property's value increasing over time.
Understanding amortization helps a tenant see the property from the landlord's financial perspective. A landlord with a high monthly amortization payment has significant fixed costs they need to cover, which puts upward pressure on the rent they must charge to break even. A landlord with an interest-only mortgage has lower costs but may be more focused on the long-term capital gain of the property rather than investing in its current upkeep. While you will never see the landlord's mortgage statement, knowing that these financial mechanics are at play can help demystify the economic logic behind rental prices and landlord behavior.